text:
d4A SPECIAL NEEDS TRUSTS
This article re d4A Special Needs Trusts was written by Attorney Brian F. Mahoney at the request of the Massachusetts Academy of Trial Attorneys for publication in September, 2007 within the Massachusetts Lawyers Weekly. Although this article concerns funding a d4A SNT Trust with the settlement proceeds due to a Trial Attorney's disabled client, any property owned by the disabled client can be used to fund a so-called d4A SNT. Please note that Parents can leave inheritances to their disabled offspring who is under age 65 through a Third Party SNT.
When settling a civil case for a disabled client under age 65 we must consider what their current or future needs for government benefits are. Both the Commonwealth and the Federal governments allow eligibility for Medicaid or SSI if the injured , client's settlement is used to fund a d4A SNT for those under age 65 a so-called d4C Pooled Trust is the vehicle for those disabled clients over 65. The d4ASpecial Needs Trust which this article discusses is also known as a supplemental needs trust or simply as an SNT, and it is authorized under 42 U.S.C. § 1396p(d)(4)(A).
Huge settlements for other than catastrophic injuries are rare today and yet living expenses are constantly rising. So we would need a disabled client to remain eligible for government benefits, if the settlement will not likely cover living needs over the client's remaining life expectancy. But, at the same time, we also must remember that once an d4A SNT is funded with the settlement there are certain limitations on what the Trustee can pay for on behalf of the d4A SNT Beneficiary, because this trust is supposed to "supplement," but not to "supplant," government benefits.
This article's focus is on what a d4a SNT must contain for provisions once it is determined the client's settlement will be funding such a trust. To make that decision we evaluate what public benefits are available and how one qualifies for those benefits.
The main programs available for disabled clients under age 65 are summarized as follows:
monthly cash payments
see: Supplemental Social Security Income
; Social Security Disability Income
and the public welfare program in Massachusetts, known as Transitional Aid to Families with Dependent Children
,that can provide cash and medical assistance to needy families with dependent children.
Medical Care
see: MassHealth, aka Medicaid or Medicare.
see: the Housing Choice Voucher Program formerly known as Section 8.
In 2007, for Living Arrangement A--Full Cost of Living �Individual,
pays a Federal benefit of $623.00/ month and the State supplement is $114.39 for a total of $737.39/ month.
To be eligible for SSI an inured client can own only $2,000.00 in countable assets, hence the need to fund a d4A SNT with a settlement. A primary residence is not a countable asset. If the d4A SNT is established properly, the settlement that funds this trust is not a countable asset.
If a disabled client qualifies for SSI they also qualify for MassHealth / Medicaid benefits, the Commonwealth being one of the so-called § 1634 states where eligibility for S.S.I. means eligibility under that state's Medicaid program. See also
Ramey v. Rizzuto
, 72 F. Supp.2d 1202 (D.C. Colo. 1999), aff'd, Ramey v. Reinertson, 268 F.3d 955 ( lOth Cir. 2001) where the Court held that when the state's Medicaid laws are more restrictive than SSI, the SSI rules take precedence over state Medicaid rules. However, please also see
Reames v. Oklahoma
, 411 F. 3rd 1164 (10th Cir. 2005) where the court acknowledged Ramey, but held that the Courts need to first determine Congress' specific intent, and if a state law is "based on a permissible construction of the statute," then it likely allowable.
is available to workers
under age 65
who are blind or disabled and who had a work history recent to the onset of the disability and have earned a certain amount of so-called "quarters of coverage." There is no asset limit.
Certain family members of the injured worker might be eligible for benefits.
See generally: 20 C. F. R. Sec. 404
. Individuals eligible for SSDI can become eligible for Medicare benefits after 24 months of SSDI.
Individuals earning less than 133% of the Federal Poverty level are eligible for government sponsored
to cover health care. through the
program. Federal poverty levels in 2007 are $10,210.00 per year for an individual and $20,650 for a household of 4.
A d4A SNT is but one type of Special Needs Trust.The Commonwealth describes Special Needs Trusts generally in 130 CMR 515.001:
Special-Needs Trust
- a special-needs trust is one that meets all the following criteria as determined by the Division.
The trust was created for a disabled individual under the age of 65 .N. B. The trust must be funded before age 65 but can continue as the Beneficiary lives beyond age 65.
The trust was created for the sole benefit of the individual by the individual's parent, grandparent, legal guardian, or a court.
The trust provides that the Commonwealth of Massachusetts will receive amounts remaining in the account upon the death of the individual up to the amount paid by the Division for services to the individual.
When the member has lived in more than one state, the trust must provide that the funds remaining upon the death of the member are distributed to each state in which the member received Medicaid based on each state's proportionate share of the total amount of Medicaid benefits paid by all states on the member's behalf.
For the settlement funding a trust to be considered "unavailable resources," or for "transfers to fund the trust to be considered transfers that will not result in a penalty period," a so-called d4A SNT trust must also comply with the requirements of 42 U.S.C. § 1396p(d) and with the Social Security Administration policies, as set forth in the
Program Operations Manual System
(aka: POMS.)
Requirements summarized in: POMS SI 01120.203.D.l include:
The Trust must contain a specific provision making the Trust irrevocable.
The trust is established with the assets of the beneficiary, i. e. the net personal injury settlement, and in concert with state law it must be established by someone who has legal authority to act with regard to the disabled client / SNT beneficiary's assets. A d4A SNT can be established under state and federal law by: the beneficiary's parent, grandparent, legal guardian or by a court.
If the beneficiary has no parents or grandparents, appointment of a Guardian is necessary and then one could look to M. G. L. c. 201 Sec 38: "Management of estate; support of ward and family; custody of wills; estate plan;" to M. G. L. c. 215 Sec. 6, regarding general equity jurisdiction, or to the Court where the personal injury lawsuit is pending.
Similar to Massachusetts law, the Beneficiary must be under age 65 and the trust funded before reaching age 65.
Consistent with 130 CMR 515.001,Social Security requires the d4A SNT beneficiary must disabled as that term is defined in the Social Security Act. In 130 CMR 515.001 entitled "Mass Health General Policies ,Definition of Terms," we find this definition: "Permanent and Total Disability � a disability as defined under Title XVI of the Social Security Act or under applicable state laws."
Generally under Federal Law,
Disability for adults
is the "inability to do any substantial gainful activity (
) by reason of any medically de?terminable physical or mental impairment which can be expected to result in death or which has lasted or can be expected to last for a continuous period of not less than 12 months and you must have a severe impairment, which makes you unable to do your previous work or any other substan?tial gainful activity which exists in the national economy. To determine whether you are able to do any other work, we consider your residual functional capacity and your age, education, and work experience." S.G.A. for 2007 is set at only: $900/motnth or $10,800 annually. This can be a problem. Clients can include mentally retarded adults who work at a supermarket who can readily approach or exceed this annual income ceiling. Such a worker may also have health benefits through the employer, but what happens when they can no longer work or they are laid off? The goal is to keep them eligible for benefits and to allow the disabled client to reap the benefits of their settlement by means of the d4A SNT.
Analysis of the Client's latest pay stub is needed as is obtaining a medical report from a doctor regarding their opinion on the issue of disability. A denial on any issue before MassHealth requires an appeal for a Fair Hearing within thirty days of the adverse decision. They allow for faxing of the appeal, but certified mail, if not hand delivery should be done. A fair hearing can come up rather quickly sometimes, so obtain all proof of disability
establishing and funding the d4A SNT and well before an adverse decision is rendered state or federal.
A further d4A SNT requirement is that no benefits go directly to the Beneficiary.
The d4A SNT's benefits must supplement public assistance and not supplant them.
Failure of a trust to comply with 42 U.S.C. § 1396p(d)(4)(A)and the POMS will result in trust assets being considered an available resource or the settlement used to fund d4A SNT could be considered transfers without fair consideration, resulting in a penalty period, or a denial of benefits if the trust property is deemed to be available to the beneficiary.
Drafting should include guidelines for the categories of allowable investments by the Trustee. The disabled client may never again come into possession of thousands of dollars. Shouldn't a Trustee therefore consider maintaining the safety of the Trust principal versus making growth a priority due to risk inherent in investments that might allow for the most growth potential?
Surely we do not want to let trust funds languish in a savings bank account, nor do we want to allow funds to get clobbered by a stock market downturn, especially when a disabled client will likely never again get the chance to replenish assets that are lost. I have had clients require me to insert the following language into trusts:
"The Trustee may not invest in:
Stocks of an individual company (but can invest in mutual funds which own stock shares in individual companies,)
Precious Metals."
Please also the Prudent Investor Act found in
M. G. L. c. 203c
, Sections 1 through 11, which can govern a Trustee's obligations unless the Trust specifically provides otherwise. Section 4 of that act states:" A trustee shall reasonably diversify the investments of the trust unless, under the circumstances, it is prudent not to do so."
Please also see the Principal and Income Act,
M. G. L. C. 203d
, before drafting a trust.
Prohibited Expenses or Payments under
are: payments of debts owed to third parties; funeral expenses, and payments to residual beneficiaries (prior to re-payment of the state.)
The Trustee can normally pay for vacations and related expenses. Entertainment is generally allowed, such a movie tickets and other social events, but the money should not go directly to the Beneficiary, but for $20/month.
Be careful if the Trustee is a close family member and receiving pay for acting as the Trustee, essentially the government wants to assure itself that money is not being funneled through the trustee to the Beneficiary.
Placing assets into a d4A SNT can in and of itself result in
Section 8
imputing income if the funding of the d4A SNT is deemed a "transfer of assets for less than fair market value," and that can reduce benefits. A recurring monthly payment of $100 for the disabled client's electric bill by the trustee could be counted as income which can reduce benefits.
If the d4A Trust were to own a home, the following could be considered by SSI to be countable housing expenses if paid by the trustee: mortgage, real estate taxes, water and electricity. Rent paid by the trustee is countable. Telephone, cable TV, laundry, cleaning products, and repairs are likely not countable.
Ideally you want trust income to be taxed at the income tax rate of the d4A SNT beneficiary because the disabled client's rate would likely be in the lowest income tax bracket, as opposed to higher trust income tax levels. Generally, income and capital gains generated by property owned by a so-called Grantor trust are taxed at the rate of the grantor's individual tax rate, and income, deductions, and credits of the trust are reported on the disabled client / grantor/ beneficiary's personal tax return each year.
Initially the plaintiff will be recognized as the grantor of a Special-Needs Trust, even if a third party, such as a court or legal guardian, creates the trust. A d4a SNT can be considered a so-called Grantor trust if it meets the requirements of § 671-679 of the Internal Revenue Code.
E. THE CORPUS OF d4A SNT IS SUBJECT TO LIENS
Although an SNT was not properly before the Court due to procedural error, the Court cannot permit settlement proceeds to be used to fund a d4A SNT to avoid a Commonwealth lien for medical benefits paid for the injury in question. See
Whelan v. Division of Medical Assistance
, 44 Mass. App. Ct. 663 (1998.)
An individual who has received or will be receiving payments from a third party as a result of an accident, injury, or other loss must first repay the MassHealth agency for medical assistance under M.G.L. c. 118E, §22 (
) and also under 42 U.S.C. 1396a(a)(25)(A) and (B) and repay the Department of Transitional Assistance for financial assistance under M.G.L c. 18, §5G (
DEPARTMENT OF TRANSITIONAL ASSISTANCE, Claimant; subrogation
), even if such third-party payments have been or will be placed into a special-needs trust in accordance with 42 U..S.C. 1396p(d)(4).
One can use an I.M.E. report which in whole or in part, reports that that medical treatment paid for by MassHealth was unrelated to the accident in an attempt to reduce the lien.
If the client is on SSDI, remember the possibility of a Medicare lien.
COMBINED STATEMENT OF SPECIAL NEEDS and TRUST INTENT:
"While I understand in creating this trust that my Trustee has sole and absolute discretion concerning all distributions from this trust of principal and income made for or on behalf of the Beneficiary, I intend the following information to govern the Trustee in exercising discretion in the Beneficiary's best interest.
This d4A Special Needs Trust contains instructions for providing for the supplemental needs of the Beneficiary, who is currently a permanently, totally disabled adult caused by BI-POLAR ILLNESS and MENTAL RETARDTION and who is unable to make financial decisions.
My intent is to supplement any benefits received (or for which the Beneficiary may be eligible) through or from various State or Federal governmental assistance programs and
to supplant any such benefits.
Another primary purpose of this trust agreement also is management of TRUST assets for the Beneficiary."
"However, before any distributions are made to any remainder beneficiaries upon the death of the Beneficiary, the Trustee shall, from trust property and undistributed income, reimburse the Commonwealth of Massachusetts and any other state which has paid for the Beneficiary's care under the Medicaid or MassHealth programs up to an amount equal to the total amount of Medicaid benefits if any) paid on behalf of the Beneficiary, but only to the extent required by law,, but if the Beneficiary has lived in more than one state, the trust shall reimburse each state in which the Beneficiary received Medicaid based on each state's proportionate share of the total amount of Medicaid benefits paid by all states on the Beneficiary's behalf, or to the extent such medical assistance or other benefits have not already been reimbursed from any other source ,and reimbursement shall be only to the extent required by State and / or Federal law as of the date of death of the Beneficiary."
Payback language notwithstanding, the Trust must name contingent beneficiaries who take upon the beneficiary's death, after repayment to the State for medical assistance benefits paid.
"Upon the death of the Beneficiary, the Trustee, shall, subject to the governmental payback provisions herein, pay the trust property and undistributed income and the entire balance of the trust, if any, to such persons or entities and in such manner as the Beneficiary may appoint in her Last Will and Testament but, excluding herself or her creditors, but in the absence of such an appointment, then all remaining trust property and undistributed income shall be distributed in equal shares to:
Insert Name of those who take upon the Death of the D4a SNT Beneficiary after Payback."
"For purposes of determining the beneficiary's Medicaid eligibility, no part of the principal or undistributed income of the trust estate shall be considered available to him, nor is it to be held in his name. The Trustee shall deny any request by the beneficiary for my Trustee to release principal or income of the trust to or on behalf of the beneficiary to pay for benefits, equipment, medication, or services that Medicaid could provide if the trust did not exist."
"My Trustee may, in the Trustee's discretion, take necessary administrative or legal steps to protect the beneficiary's Medicaid eligibility, including obtaining a ruling from a court of competent jurisdiction that the trust principal is not available to the beneficiary for purposes of determining Medicaid eligibility. Expenses for this purpose, including reasonable attorney fees, will be a proper charge to the trust estate."
Young v. Dept. of Public Welfare
, 416 Mass. 629 (1993) discussed that a Probate Court Judge can interpret and issue declaratory judgments concerning the provisions of a Trust and this judge declared the Trust in issue to be a supplemental needs trust pursuant to
M. G. L. c. 215 Sec. 6
Burn v. McAllister
, 321 Mass. 660 at 661 (1947.)The Probate Court later amended its order to allow the Trustee to make payments for the Beneficiary's care and welfare during the time when the Beneficiary was not entitled to Medicaid benefits. However, this does not govern MassHealth or the Social Security Administration as they may interpret their own regulations as applied to the Trust.
Essentially trust language that allows liberal, discretionary benefits under the Trust that are not within the State and Federal guidelines I referenced earlier, but that allows the Trustee to later restrict benefits as are required in a d4A SNT, will be classified as so-called "Medicaid Qualifying," trust language and the entire trust income and principal will be deemed available to the Beneficiary. See
Kokoska v. Commissioner of the Division of Medical Assistance
, 423 Mass. 399 (SJC 1996).
When the d4A SNT is drafted and the disabled client's parent or grandparent is alive, then, consider drafting a second SNT, a so-called Third Party SNT that can be established by a parent or grandparent and which can be funded with any inheritance the disabled client might receive. That type of special needs trust is very similar to the d4A SNT.
MATA member Brian F. Mahoney, a former accountant, first joined MATA in 1985 and is a member of the National Academy of Elder Law Attorneys. He concentrates in Estate Planning, Elder Law, Asset Protection and litigation of Estate & Will contests, Attorney Mahoney has been practicing Law for 25 years in Massachusetts with locations in Boston, Canton and Dedham.
Please call him at 781-828-0083 or contact him at:
© Brian Mahoney, Esq. - Estate Planning Attorney - Brian Mahoney - Serving Canton and Dedham, Massachusetts


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- Pump Type: Booster; Dosing; Gear; Injection; Metering; PositiveDisplacement
- Pump Features: SelfPriming
from Taap Corporation
All of our pumps are assembled in the USA to stringent quality control standards. We are proud of our record of service and knowledge to our customers and continue to strive to be the best in the industry. [See More]
- Market Segment: Automotive
- Media: Liquids; Water
from Versa-Matic Pump Co.
The Elima-Matic sanitary pump has been designed to the 3A Sanitary Standards for Air or Hydraulically Driven Diaphragm Pumps for Milk and Milk Products, Number 44-01. Available in 1-1/2" and 2" sizes, sanitary pumps are available with the Versa-Sense leak detection system, which protects the product... [See More]
- Market Segment: Automotive; Brewery; Medical; Mining
- Liquid Flow: 0.000 to 180.000
- Pump Type: DoubleDiaphragm
- Inlet Size: 2.000
from Wilden Pump & Engineering, LLC
Wilden's revolutionary Advanced ™ Series pumps were specifically designed for maximum performance and efficiency. The bolted configuration of these pumps ensures total product containment while the redesigned liquid path reduces internal friction to maximize output and efficiency. A variety of... [See More]
- Market Segment: GeneralUse; Automotive; OilGasProduction; Pharmaceutical and Biotechnology
- Discharge Pressure: 125.0
- Pump Type: Dosing; Diaphragm; DoubleDiaphragm; Drum (optional feature); Injection; Metering; PositiveDisplacement; Sampling; Utility
- Liquid Flow: 5.500
from Xylem Applied Water Systems
11860 1" Electro-Magnetic Clutch Pump. Flow rate: Nominal 23 USgallons/min (88 Litres/min) at 1750rpm. Self-priming from dry up to 2.4m (7.8ft). Model No.: 11860 Series. Constructed from marine quality bronze and stainless steel for ruggedness and reliability. Easy to service and maintain. [See More]
- Market Segment: GeneralUse; Agriculture and Horticulture; Automotive; Construction; Forestry, Street Sweeping
- Liquid Flow: 23.000
- Pump Type: Flexible Impeller
- Inlet Size: 1.000
from Zinko Hydraulic Jack
Hand Pump, 18 cu.in. single speed. Designed to be used in many different fields with a vast selection of hydraulic components. Industrial quality, general purpose hand pump. Designed for use in shop, agricultural, automotive/truck service, and construction maintenance. Single speed operation;... [See More]
- Market Segment: GeneralUse; Agriculture and Horticulture; Automotive; Construction
- Pump Type: Hand


text:
The Eastern Highlands
Trip Start
Jan 10, 2006
Trip End
Jun 02, 2006
Rusape is at the point east of Harare where the land is becoming mountainous. The granite boulders which are scattered around Kufunda are absolutely everywhere here. They protect from wind and moderate the climate in addition to harvesting the rainfall. I can't stop thinking of the Chancellor brothers and what fun they would have here, with the people and the rocks. I hope my photos can entice them.
After this quick stop, we headed on east to a great little bunch of cottages at Punch Rock. Now we were in the mountains, and the granite boulders stand in front of granite cliffs. We stayed among an old stand of acacia abyssinica (the Nyanga flat-topped acacia) that made a lawn at the top of their crown, and had ferns, moss, mushrooms and even other trees growing from their branches. We took hikes and made one large ascent.
The diversity of flora of these mountains is unbelievable. Sometimes it seems no two plants are the same. Some are very nice fragrant and the visual show is stunning. Plus, besides the nettles which I noticed immediately, I didn't meet a single plant that would hurt to step on with bare feet. I'm happy to have been here in the wet season, while everything is thriving, especially the mushrooms.
We ate well, too. On the way we had picked up a few bags of apples and an enormous (2 kg at least) bag of fresh wild mushrooms (chantrelles and waxy caps [Hygrophorus, right? I've been away from my mushroom books for too long.]) that cost the equivalent of 75 cents. On our way up the mountain I collected some usnea (an antibiotic lichen) and put it to use immediately on my athlete's foot, which is now much better. I just chewed the usnea (it's fairly tasteless) and rubbed it on my foot. It started tingling instantly, and the itch went away for good.
We also had some nice learning circles and played the flowgame, which I can't explain right now. One downer was our oldest sister, who's from South Africa, Bonnie, took a fall on our first short hike and cut her head on a rock. We took her to the mission hospital where they stitched her up for free, and gave her a tetanus shot for about $1,000,000 Zim dollars ($5.00 US). She has an amazing sense of humor and was laughing immediately after it happened with blood dripping into her hands. She was right with us the whole rest of our time in Nyanga (minus the big ascent, of course) and back at Kufunda.


text:
Great tutorial that shows how the workflow of mobile sites should work
Christmas Colors Palette
10 ways to market your business at low cost
Small business owners have to realize that marketing their businesses should be on a consistent basis. Consistent business marketing along with an effective advertisement will go hand-on-hand to make the sale. If customers are presented with a good view of your products and credentials prior to a sales call or before they decide to buy, you are more likely to cash in.
Marketing a product does not only rely on how much it is being sold, but it is characterized by placing the appropriate message towards the appropriate customer at the appropriate time. Ten ways in marketing your business are presented below. Keep in mind that in business it is crucial to learn before you earn.
1. Give an effort of making your customer feel special. – Customers appreciate recognition, especially nowadays where business competition is stiff. You can offer or give something extra on the items that your customer will buy. It does not have to be costly, just little thing that customer would appreciate. Like for example giving out custom koozies
2. Customize business card for clients to keep. – Instead of giving out traditional business card that usually end up in the trash bin; customize something that will replace it. You can give a sleek notepad having your contact information. Such notepad can be used every day and has more effective remembrance factor.
3. Cease from servicing no profit clients – An expert concluded that not all customers are providing profit to the company. Meaning they are very much part of your regular sales, but not getting a good profit out of them. It is better to minimize servicing these customers and concentrate on others who provide the profit.
4. Put-up an e-mail list and start sending old-fashioned letters. – Businesses today are able to use the power of e-mailing effectively. Just the same, your business can also maximize the use of such technology especially the e-mailing list. However, since e-mail marketing has been the business trend, you can easily diversify and rise above the others by sending personal, traditional mail letters to existing customers and new prospects. The letter should contain the things that the customers may want to read. It may contain new ideas useful for the addressee's business or some valuable offers.
5. Heighten profile at trade events. – You can have an elegant signage and printed ads materials with company and product information that can be distributed at trade events and business conferences.
6. Expose your business at parties and special events. – Organize company-sponsored event, conference or party for a cause. In that way, you can easily get to know many people and demonstrate your leadership skills on small business. The idea is to re-establish connection with present clients and make an impression to new ones.
7. Put-up a destination. – Get a place where people can relax, have a drink and place to enjoy their favorite food. On the side, you can furnish it with your marketing paraphernalia and meet new prospects.
8. Use social media to your advantage. – Conduct research of active e-mail community discussion lists and other online bulletin media that are related to your own business. Join as many as possible and begin to socialize by offering advice, commenting on posts or answering online questions.
9. Connect with local media. – Your company can establish better credibility with prospects through editorial features than costly-paid ads. Your company should be ready with fresh and relevant story in order to get a good media coverage.
10. Keep your customers. – It is a common observation in business deals that after the sales are closed, business owners tend to relax to the point of neglecting their customers. You have to do after sales service, congratulate your new customers and thank them for choosing your company to meet their needs. Do not forget to follow them up regularly to get new or additional orders.
Ways to Boost Your Online Store's Credibility
Building a store's credibility is the first step towards achieving success in business. But it is said that building a reputation online may seem to be different as there is the continuous battle to erase the stereotype made by fraudulent sites. To succeed in this deal, you really need to pour in a lot of effort and time. We have got you covered though so here are some of the ways you can make use of to boost your online store's credibility.
Have a lasting impression
Create an impression by building an eye catching page first. Allow a simple interface that users can navigate to easily. Since the new generations are more particular with the look of pages one can trust, it is best to stay away from flashy buttons and banners. Make your site appear professional as much as possible.
Post Company's Details
Posting everything about the business like its history, the people behind it and contact details that users can just make use of to connect to the company is an instant credibility booster. By displaying all the facts about the company, you are giving out an impression that you have nothing to hide. This alone will let people feel at ease dealing with you.
Set Up a Feedback Pane
Another easy credibility booster is the feedback pane. Adding one in your page will allow users to see the feedbacks that other consumers have posted. Seeing positive deals on the pane will just instantly cause your reputation to shoot up.
Post Only the Truth
Consumers nowadays are meticulous when it comes to the promises that companies offer their patrons. Since you are asking for people's attention, it is just right to also return the favor by posting only the truth about your products and services.
You need to really be careful about posting insincere things in your site. Remember that any inconsistency in your post will permanently bring a huge impact in your business.
These are four of the most useful credibility boosting ways in building an online store. Keep these in mind especially if you are still starting with your online business to ensure a good start.
HTML5 Is Here To Stay
Say what you want but HTML5 here is to stay and you better adapt!
Can You Design Custom Koozies Online?
I have been looking for the perfect designer tool for custom koozies since it's a pain in the butt to design them or have a company design them and take weeks. It would be a lot easier if a designer tool were made for koozies that you could use online and be done within minutes. After spending an afternoon looking at many koozies sites I found custom koozies | Express Imprint , which has great prices and a great designer tool in which I created some custom koozies for an event coming up.
In the designer tool in Express Imprint the koozies looked great! How did they turn out? Even better, the results below show the great koozies that were designed on their site and were delivered after two weeks. If you're looking for custom printed koozies check them out!
Beware of Terrible Web Design Trends
It does not mean that it is a trend that you should follow it. You must have heard of these lines before and in the world of web designs this actually true. You just can't be too trendy when it comes to designing web pages that will click; trends come and go and smart we design should still be a priority. To give an example of what awful web designs are here are 5 of the worst that you must never adapt to your site:
- Using splash pages – splash pages are meant to excite and to make visitors yearn for more. These pages are loaded with moving graphics, engaging music, illuminating and gyrating status bars and so much more. There is just so much for an average user to take. You should never use this kind of technique since customers will likely just bounce from your site and find another site where he could get straightforward information instead.
- The Web 2.0 Design – these are web designs that look similar to a children's story book with rounded corners, drop shadows and reflections. This is a totally outdated web design that could only mean one thing: your content must be outdated too. Invest in strong and dramatic web design to keep your customers interested. Remember that the more professional-looking your site is the more you will likely attract more customers.
- Stock photos – you may have seen this more frequently, stock photos that you swore you have seen in one or more sites that you have been to. If you must use stock photos, make sure that you review the photo with a keen eye. Choose believable ones or the ones that will certainly make a good impression to your customers. But if you can, please use your own photos or take a picture of actual people and places instead.
- MySpace-ification – a site that becomes more of a scrapbook could be cute in the e mid 2000s but this trend is certainly unforgivable these days. Talk about large counters, different kinds of fonts and font sizes, neon graphics and flashing icons could bring tears to your eyes! Personalizing your site is a great way to express yourself but it could cost you a lot of visitors. You simply cannot expect everyone to like your taste so better take time in creating a simple and acceptable site. Always remember that less is more.
- Flash sites – this is a terribly outdated style that is not just old but is becoming more and more incompatible with so many devices and programs. What you can do to update a site that still runs on flash is using HTML5 or CSS2 instead.
- Popup windows – it is very distracting if you are trying to read something while a popup window refuses to close. Whether it is an ad or a landing page, popups are very disruptive and could cost you more users. So if you can do without these pages then you should just keep them to a minimum.
Logo design
Logo design is skill and art mixed with marketing, I like this tutorial that shows the process of a logo designed in illustrator.
How to Get To Know Your Online Customers More
How do you get to know your online customers? It seems very easy to do this if you have an actual store or establishment. Take a local salon owner who knows each and every patron that comes in her shop. She recognizes the lady with the dog that usually asks for a short trim along with a manicure. She also knows that a particular patron wants to have her tresses shampooed after a trim and before a blow dry. Every little act of personalization counts in an actual business and it is very easy to do so. Entrepreneur had a great article related to this last month. But how do you actually do this when you have never met your online customers before? How do you know what the customer wants when about 98% of people that visit your site are anonymous?
A business owner has to take certain cues from his visitors when maintaining an e commerce site. Here are some basic rules to follow:
- Just like in an actual store, greet your customers. As soon as they land on your site, offer a warm welcome on your home page and invite them to come in. customers love to be treated really special and just like ushering them in your store, show them the best merchandise that you have. Remember that they have come a long way to find your site and these special products are mainly the reasons why they have found you!
- Give them a welcome discount. Everyone loves to get a discount offer even for 10% off the retail price. Understand that most online customers are comparing suppliers and online shop prices and giving them even an extra discount could make them notice your site and buy. And even an anonymous customer could appreciate a discount. You may also use promo codes or new member discount offers and free delivery offers just to make your new customers welcome!
- A loosely relevant offer could also be a surprising treat for your customers. For instance, a customer came from a location where there it is most likely raining all the time. Your homepage may offer a free umbrella or a poncho; surprise your customers with a personalized handling of their purchases and you will be surprised as to how these customers will keep on coming back for more.
- As your new customer tries your products or services for the first time, you may now make their buying experience even more personalized. After purchasing, your customer will likely have provided information about her like her delivery address, phone number, email address so many more information to help you create a specific buying preference. This is the time to send her emails about products that you think she may appreciate or some new discount offers and services that you think that she might need. Little by little, you will be able to create a profile for your customers and finally connect in a more personalized and special way.


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Freeview adds local TV and HD slots
Freeview platform manager DMOL has finalised plans for an EPG reorganisation which will see a dedicated slot at channel 8 for local TV services and 20 HD spaces opened up.
To continue reading, simply subscribe below!
To read this article in full and enjoy UNLIMITED Broadcast news, data and insight simply subscribe below.
Subscribing takes just 2 minutes and offers instant access to the website. Plus, COMING SOON! - Our new App will be available for your mobile, so you can enjoy the latest headlines and overnight ratings every morning from you smartphone!


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COLUMBIA—More than twice as many house fires have been reported this summer compared to last. Almost three times as many total fires have been reported so far this August alone compared to last August, according to Columbia Fire Department data.
Battalion Chief Brad Fraizer said the drought is playing a significant role in the increase.
"There's no doubt the dry conditions have caused more fires," he said. "Vegetation is much drier, wood in homes is much drier, so the opportunity for fire is greater."
Missouri suffered from one of the worst droughts in several decades this summer. The Missouri Department of Conservation issued an open-fire ban in June because of the drought, in hopes of reducing potential fires.
But it's still hot, it's still dry, and houses, business and fields continue to burn in Columbia.
House fires in the summer
The Columbia Fire Department analyzed reports from June 1 through Aug. 1, 2011, and compared it with this year, Fraizer said.
"We noticed that we've had the same amount of residential structure fires that occurred inside the home as last year," he said. "But we've doubled that number of fires that occurred outside the home."
According to the report, between June 1 and August 1:
- 11 fires started inside homes in both 2011 and 2012.
- 14 additional fires started outside homes in 2012.
Most were caused by an unwatched grill or a cigarette tossed into a yard.
"That's the majority of what we've seen related to those outdoor fires," Fraizer said.
August fires in Columbia
Almost three times as many fires have been reported so far this August compared to 2011. The spike is because of many more building fires and grass or brush fires than in previous years, according to fire incident reports.
In the period from Aug. 1 to Aug. 28, according to the reports:
- 18 fires were reported in 2009.
- 29 fires were reported in 2010.
- 23 fires were reported in 2011.
- 61 fires were reported in 2012.
The number of reported fires in Columbia is up for the entire year, not just August. Fraizer said 411 fires were reported from Jan. 1 to Aug. 28, 2012. Almost half as many fires — 213 — were reported during the same time last year.
Columbia will continue to be at high risk for fires if rains from Hurricane Isaac miss mid-Missouri entirely and the weather remains hot and dry.
Supervising editor is Katherine Reed.


text:
Join OkCupid
Find better matches with our advanced
matching system
—% Match
—% Enemy
25 • San Diego, CA • Woman
I'm looking for
- Men
- Ages 26–31
- Near me
- Who are single
- For new friends, long-term dating, short-term dating
My details
- Last online
- Feb 28, 2014
- Orientation
- Straight
- Ethnicity
- White
- Height
- 5′ 8″ (1.73m)
- Body type
- Athletic
- Diet
- Strictly anything
- Smokes
- No
- Drinks
- Socially
- Drugs
- Never
- Religion
- —
- Sign
- Cancer, but it doesn't matter
- Education
- Graduated from space camp
- Job
- Sales / Marketing
- Income
- —
- Status
- Single
- Type
- —
- Offspring
- Doesn't have kids, but might want them
- Pets
- Has dogs
- Speaks
- English
Similar Users
My self-summary
Write a little about yourself. Just a paragraph will do.
New to town! Just got in from Miami! Before Miami it was Dallas but
my heart belongs to Seattle! I'm hoping to stay here for a long
time and am looking to meet some great people! I normally get along
best with hilarious outgoing people! ;)
What I'm doing with my life
Don't overthink this one; tell us what you're doing day-to-day.
I manage and am a regional internship coordinator at one of Forbes
top 100 companies to work for.
I'm really good at
Go on, brag a little (or a lot). We won't judge.
Stuffed French toast
Mario cart racing :)
Stuffed French toast
Mario cart racing :)
The first things people usually notice about me
I'm an empty essay… fill me out!
My hair and slight sarcasm!
Favorite books, movies, shows, music, and food
Help your potential matches find common interests.
How I met your mother
Walking dead
Mad men
Thai food
Real key lime pie
Country Music!! - I have all 6 presets in my car set to XM- The Highway!!!
Walking dead
Mad men
Thai food
Real key lime pie
Country Music!! - I have all 6 presets in my car set to XM- The Highway!!!
The six things I could never do without
Think outside the box. Sometimes the little things can say a lot.
My dog
The ocean
Country music
Art supplies
The ocean
Country music
Art supplies
I spend a lot of time thinking about
Global warming, lunch, or your next vacation… it's all fair game.
Wine racks... If you are drinking wine at a pace that you need
storage for your wine you are doing it wrong.
The most private thing I'm willing to admit
I'm an empty essay… fill me out!
I have the same relationship with my toothbrush that 6 year old's
have with their shoes.
You should message me if
Offer a few tips to help matches win you over.
You are educated, tall, outgoing (within my desired age range) and
no where on your profile does it say intimate encounter or casual
sex. :)
Report this photo
How does this violate our Photo Rules?
You must be in the photo! Full nudity, extreme close ups, pets, cars, baby photos, artwork, images you've added yourself to, etc. are not allowed.
Photos in albums are meant to showcase other aspects of your life, and may include pets, cars, baby photos, artwork, etc. Full nudity and offensive content are not allowed.


text:
With a stay at Alpha Guesthouse in Seoul (Mapo), you'll be minutes from Seogang University and close to Gyeongbok Palace. This guesthouse is within close proximity of Sanwoolim Theater and Mapo Art Center.
Make yourself at home in one of the 15 individually decorated guestrooms, featuring kitchens with full-sized refrigerators/freezers and stovetops. Your pillowtop bed comes with down comforters. Complimentary wired and wireless Internet access keeps you connected, and cable programming provides entertainment. Conveniences include desks and microwaves.
Rec, Spa, Premium Amenities
Make use of convenient amenities, which include complimentary wireless Internet access and tour/ticket assistance.
Business, Other Amenities
Featured amenities include complimentary high-speed (wired) Internet access, a computer station, and laundry facilities. Free self parking is available onsite.
Expedia Affiliate NetworkAmenities
Business center
Concierge service
Free Internet
Laundry facilities
Pets not allowed
Free parking
Free WiFi
Get Rates |
Get Flight + Hotel |


text:
Sahand is an eroded stratovolcanic massif in northwestern Iran, about 25 miles (40 km) south of the major city of Tabriz. The most recent dated lavas are about a million years old, so the volcano is most likely extinct. The area does receive substantial winter snowfall at higher elevations.Getting There
Access should be relatively easy from the main highway east of Tabriz which passes to the north, or from the city of Maragheh located just to the south.Red Tape
There is no Red Tape .Camping
Camping is allowed every where. There is a hut in the area .External Links
climbing.irOaj Mountain Climbing Club
Topographic map of Sahand (1:253,440 scale) from British WW2-era Military Map J38-QTopographic map of Sahand (1:500,000 scale) from Tactical Pilotage Chart G-5A


text:
Search the collections
Similar items over time
Medal - Port Phillip Farmers' Society, Silver Prize, Victoria, Australia, 1858 Reg. No: NU 33185
- Summary:
- Australia
Medal - Port Phillip Farmers' Society Silver Prize 1858 (AD)
Mint: not recorded
Awarded to: Mr. William Bernage
Other Details: Prize medal won by William Bernage issued by the Port Phillip Farmers Society (now known as Royal Agricultural Society of Victoria) for Grass Seed Harrows at the Annual Exhibition of 1858. The Society was formed in 1848 from a number of earlier farmers' societies in Victoria. The Society aimed to improve agricultural practices to meet the food needs of a growing population, and conducted ploughing matches in the area around Flemington. In 1855 it established showgrounds in Parkville, opposite the present site of The University of Melbourne. The current showgrounds in Ascot Vale were not established until 1882. - Description:
- A silver prize medal (51 mm. diameter) featuring a rural scene of farm house, reclining cow, sheep, horse and tools below gum tree branch; in exergue in tiny letters, ARNOLDI and details of the prize engraved within open wreath below small Kangaroo
Discipline: | Numismatics |
Dimensions: | 51 mm (Diameter) |
Weight: | 61.88 g (Weight) |
More information
Tagged with: | agricultural shows, agriculture, grasses, harrows |
Themes this item is part of: | Public Life & Institutions Collection, Sustainable Futures Collection, Port Phillip Farmers Society, Victoria |
Primary Classification: | MEDALS |
Secondary Classification: | Civil |
Tertiary Classification: | agricultural prizes |
Series: | Australian Agricultural Prize Medals |
DateEra: | 1858 AD |
Obverse Description: | Rural scene of farm house, reclining cow, sheep, horse and tools below gum tree branch; in exergue in tiny letters, ARNOLDI |
Reverse Description: | Engraved within open wreath below small Kangaroo, GRASS SEED HARROWS PRIZE awarded to Mr. Wm. Berbage Annual Exhibition 1858; around, PORT PHILLIP FARMER'S SOCIETY; below, INSTITUTED 1848 |
Edge Description: | Plain |
Inscriptions: | Obverse: PORT PHILLIP FARMERS ASSOCIATION INSTITUTED 1848 GRASS SEED HARROWS PRIZE awarded to Mr. Wm. Berbage Annual Exhibition 1858 Reverse: ARNOLDI |
Shape: | round |
Material: | Silver |
Issued By: | Port Phillip Farmers' Society, Victoria, Australia, 1858 |
Awarded To: | Mr. William Bernage, Victoria, Australia, 1858 |
Bibliography: |
This item is part of the following themes:


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PowerSox CoolMax Low Cut Sock 3 Pack
Product Information:
The PowerSox CoolMax socks are designed to deliver the ultimate in performance. Utilizing Coolmax Moisture Management technology, these Performance socks wick perspiration while the ventilated top lets heat escape so your feet can breathe. An arch brace provides added support and a contoured Y heel keeps these athletic socks in place during intense activity.
- Spandex stretches around your foot for a perfect fit
- Cushioned footbed provides incredible comfort
- Moisture-wicking cotton blend keeps feet cool and dry
- Fabric: Cotton, Nylon, Polyester, Spandex
- Style: 429820
- PowerSox
- Sock Size: Small = Shoe Size: Women's 3-6
- Sock Size: Medium = Shoe Size: Men's 5-8.5, Women's 6.5-10
- Sock Size: Large = Shoe Size: Men's 9-12.5, Women's 10.5-13
- Sock Size: X Large = Shoe Size: Men's 13-16
Country of Origin: China
Web ID: 4462996
Customer Reviews:
Rated 4.2 out of 5�by 67
Rated 4 out of 5�by Mont good socks
comfortable socks, I wear them with my clip in bike shoes.
April 28, 2015
Rated 5 out of 5�by Danatthegym22 This sock will change your life!
Not really but it does wick away the sweat and holds up to abuse pretty well.
April 28, 2015
Rated 4 out of 5�by ross Good but not smartwool
I like the socks but nothing can compare to smartwool socks that I have found for hiking or running.
April 21, 2015
Rated 5 out of 5�by ptdude1 Sock Review
Comfortable fit stayed snug to my feet during the Tough Mudder I ran while wearing them. Even when wet.
April 7, 2015
Rated 5 out of 5�by kyle9080 the best
Very comfortable socks. They are my first choice when buying a new pair of sock every time.
March 17, 2015
Rated 4 out of 5�by Ace42 The sock
Comfortable cool fit sock.With plenty of cushion in each step.
March 5, 2015
Rated 5 out of 5�by BigTed Covered my feet and everything
I have a tendency to go through socks pretty quickly. I've only had these socks a week and I can tell they're going to last just as long as most socks that cost this amount of money. The elastic at the top of the sock really prevents them from slipping around the heel and riding my foot like a loose diaper. The words CoolMax stretch to visibility as I slide them onto my powerful butt kickers, giving me the confidence to step out into the big bad world and stomp the yard.
February 17, 2015
Rated 3 out of 5�by julyicast Great sock but shrinks
Sock holds form great and feels really comfortable. I would recommend buying big since they shrink. The shrinkage cause them to pull into shoe occasionally.
February 12, 2015
Rated 4 out of 5�by activeguy Feel good and fit well
The cushioning feels good and is substantial enough. The fit is good. Haven't had them long, so I don't know how well they will hold up.
December 11, 2014
Rated 4 out of 5�by pierre good
Feel good have nice padding. They stay up don't fall down.
October 1, 2014


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Charles Edward Lockett
Position: WR
Height: 6-0 Weight: 178 lbs.
Born: October 1, 1965 in Los Angeles, CA
High School: Crenshaw
College: Long Beach St. (school history) (Lockett college stats)
Drafted by the Pittsburgh Steelers in the 3rd round (66th overall) of the 1987 NFL Draft.
Weighted Career AV (100-95-...): 4 (9744th overall since 1950)
Other SR Links: College Football at Sports-Reference.com


text:
Ozone Pizza Pub
1010 North 12th Ave, Pensacola, FL 32501
Italian Delivery in Pensacola
Order Online
Ozone Pizza Pub
High quality, freshness, craveable flavors are just a few of the many qualities you will find by ordering online from us.
After years of experience we have created the original and distinctive style that makes us stand out from other restaurants. Our mouthwatering dishes will definitely offer your palette flavors that are both unique and delicious.
Now, with the convenience of online ordering, you can enjoy our meals in the comfort of your own home. It does not matter if you're alone, with friends, at work or at home; just be sure to not miss out on a wonderful meal.


text:
Mike Remlinger Biographical Information
A Dartmouth College graduate, Remlinger led the nation with a 1.59 ERA during his sophomore season. He was selected by the Giants with the 16th pick of the first round in the 1987 amateur draft.
In a 16-season career, Remlinger has compiled a 51-51 record with a 3.89 ERA and 18 saves in 605 games. He made the National League All-Star team in 2002.
Remlinger often pitches better against right-handed hitters, which is unusual for a left-handed pitcher.
Remlinger signed a 1-year minor league contract with the Atlanta Braves in January, 2006 after being released by the Red Sox. The Braves invited him to Spring Training as a non-roster invitee, and later he was added to the 25-man roster.
The Horse is a Yang, and is the Seventh sign of the Chinese horoscope. Characteristics: PersuasivnessAutonomyPopularityStyleDexterityAccomplishment Vices: SelfishnessUnscrupulousnessRebellionHasteAnxietyPragmatism
Birthday: March 23, 1966
A sacrifice must be made in order to gain something of great value.
Abundance, fruitfulness and fertility; perhaps marriage or children.
Birthday: March 23, 2011


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Changing Times
Was she pushed or did she jump? Long-time Good Times publisher Carole Atkinson quit abruptly last week in a dispute over control of the paper. Good Times' first issue appeared on April 3, 1975, but there were no champagne corks popping last week as the paper's 25th anniversary passed unnoticed.
Page counts at Good Times have been on a downward trajectory for months, prompting owners at Central Valley Publishing to review the paper's operations. Sources tell Nüz that Central Valley CEO Tom Schmidt, who recently took control of the company, drew up a plan to turn the paper around, but when it was presented to Atkinson on April 5 by Linda Rosas, publisher of a Central Valley paper in Chula Vista, a dispute erupted.
Atkinson confirms that she left in a disagreement over control.
"I don't like what they were trying to do. When Tom [Schmidt] was told to go ahead with his plan, he had some changes that would affect my autonomy, and for me it's my way or no way," Atkinson says. "Since it wasn't going to be the way I wanted it to be, I decided I had an opportunity. There's no hard feelings, and I have a lot of respect for Tom. No animosity between us." Her resignation was effective April 6.
Atkinson says she plans to move out of the area to be near family or friends, possibly to Memphis, Tenn.; Sacramento; or West Palm Beach, Fla.
Atkinson's tenure--she has been with the paper since the beginning, and has been publisher since founder Jay Shore left the paper in February 1989--was marked with that "my way or no way" attitude.
In 1990, a group calling itself CACA--Cease the Autocracy of Carole Atkinson committee--wrote a letter to then-CEO Ted Holmberg demanding Atkinson's ouster:
"We, organized members of the staff, demand no less than her immediate replacement--this is our bottom line. Mutiny, dissatisfaction, and despair abound in our ranks."
Similar reports from more recently departed staffers have found their way to Nüz.
Central Valley Publishing purchased Good Times in July 1998 from the Rupert Murdoch publishing empire. At the time the firm was headquartered in Crystal City, Mo., and was managed by US Media Group. Good Times was put back on the market in March 1999.
Since the death of US Media principal partner Eugene Mace last year, Central Valley has cut its ties with US Media and set up headquarters in Merced, down the street from the group's flagship paper, the Merced Sun-Star.
Good Times was recently taken off the market when a sale fell through. "They just weren't getting the offers," Atkinson says, so Schmidt made a proposal and it was accepted. A search is now under way for a new publisher, and Central Valley is expected to cast a wide net.
The paper will also soon be without an advertising director. Nancy Nacol, who was recently featured in the paper on the occasion of her five-year anniversary of employment there, will be leaving at the end of the week.
Central Valley Publishing announced in a brief prepared statement that Rosas would take over as interim publisher.
Rocky Road
The Arana Gulch bike path hit another road block when the Santa Cruz City Parks and Recreation Commission voted unanimously not to support the east-west bicycle corridor on April 3.
While the disapproval does not put the breaks on the path--its role is purely advisory--it does come at a delicate time. The City Council was slated to vote on additional funds needed to complete the project's environmental impact report at the April 11 meeting, but the vote has been put off.
The city needs $40,000 to respond to the 600-plus public comments about the bike path--an expenditure which is opposed by Mayor Keith Sugar, who says he has a "jaundiced view" of paving any trails through Arana Gulch.
"I think open space should remain open space," Sugar says. "But while I'm very skeptical of a bike route through Arana Gulch, I'm willing to commit to creating a viable [east-west] bike route."
No date has been set for either the parks and recreation commission presentation or the council's vote on additional money for the environmental report.
The current proposal includes a paved 12-foot bike path through the park that would be wide enough to accommodate emergency vehicles, a 360-foot bridge across Hagemann Gulch, and either a 130-foot or a 740-foot bridge across Arana Creek.
"Both options entail putting a very large bridge and a wide strip of cement through the park," says commission chair Rachel O'Malley. "There is no way either of those two options would be acceptable to us."
She says Parks and Rec commissioners are not against pollution-free transportation, but they do want the city to look into alternate bicycle/pedestrian routes linking Broadway in the city of Santa Cruz to the Brommer Street/Seventh Avenue intersection in the county.
The commission's vote hasn't dulled the enthusiasm of cycling proponents at People Power.
"This is a such a politically charged issue that the City Council is going to make their own decision, parks and recreation commission's recommendation notwithstanding," says Ron Goodman, a People Power director.
The City Transportation Commission will discuss the bike/pedestrian path at the 7pm meeting tonight, April 12, in the council chambers.
Koffee Klatch Kids
The ante has been upped on the high-tech personnel recruiting wars. The latest inducement? Free coffee.
David Dennis, prez of local startup Miradi Inc.--a web-based project-management firm--tells Nüz his firm will resort to tempting northbound Highway 17 morning commuters with free coffee and a Burma shave-style sign campaign to get them to join up.
"We'll have signs about every 100 feet saying things like 'Why commute?' and 'Free coffee,' " says Dennis, who will be camped out with Miradi staffers in front of Casa Del 17 at the Summit the morning this issue of Metro Santa Cruz hits the streets. He vows to return if the operation is a success.
Dennis says the firm is growing fast and will need about 15 new staffers ASAP. The firm will launch its beta website in about a week.
And what if Caltrans or the CHP give them a hard time about their signs?
"We'll offer them a job," Dennis says. "We'll probably be able to afford to pay them more than they're making now."
Dennis and his cohorts can be found at www.miradi.com/jobs.
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Unfortunately we had to eat several packets of minstrels last summer in order to save up enough packets for the 'Sweet Sundays' free cinema tickets. We managed it though, and last week used our free tickets to watch Les Miserables…


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Raritan Valley Montessori Academy and The Cherry Blossom Montessori School have always funded the schools' annual operating expenses with tuition dollars. We will not compromise on the quality of education that we offer. This means tuition dollars go to ensuring educational excellence first before other programs are funded. While recognizing that some sacrifice on the part of the parents is appropriate for something as crucial as children's education, the school knows that financial assistance is sometimes necessary to build and maintain the sort of student body our schools aspire to have and the children deserve. Consequently, since the beginning of the school in 1967, significant funds have always been devoted to tuition assistance. For the 2009-2010 academic year, Raritan Valley and The Cherry Blossom Montessori Schools distributed 15% of its projected tuition income in need-based financial aid.
In order for us to allocate our resources wisely and fairly, we have enlisted the help of Independent School Management's FAST (Financial Aid for School Tuition) program. ISM's FAST does not decide whether financial assistance will be given or how much to give; rather FAST provides a need-based financial aid analysis service. FAST provides the school with a report, which includes a recommendation of what a family should reasonably contribute toward tuition. All information from FAST is kept confidential. Applications are reviewed by the Head and Associate Head of Schools and upon approval, financial aid offers are sent to the families. No financial aid procedure can be entirely equitable; there are simply too many individual factors and extenuating circumstances. Therefore, this process will help us determine the most effective use of our financial aid dollars.
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Are Girl Gamers Underestimated?
2012/06/19 13:00:00
593 votes
80% | |||
145 votes
20% |
E3 wrapped up last weekend, and it wasn't long before actress and Ubisoft host Aisha Taylor was inundated with hate mail accusing her of not being a real gamer. She fired back on Facebook, arguing that she has been a gamer all her life, and could probably beat a lot of the offending guys on Halo. This week, Kotaku writer Katie Williams expressed similar frustrations with her time at E3.
In an opinion article titled "So What If I'm A Woman? Let Me Play The Damn Game," Williams recalls how she was "guided towards the Facebook games," and walked through the simplest first-person shooter mechanics as if she couldn't possibly have a clue how to work them. She calls the experience a "hurtful underestimation of my capabilities, both as a journalist and as a gamer." Do you think girl gamers are underestimated, or did Taylor and Williams just have some bad experiences?
In an opinion article titled "So What If I'm A Woman? Let Me Play The Damn Game," Williams recalls how she was "guided towards the Facebook games," and walked through the simplest first-person shooter mechanics as if she couldn't possibly have a clue how to work them. She calls the experience a "hurtful underestimation of my capabilities, both as a journalist and as a gamer." Do you think girl gamers are underestimated, or did Taylor and Williams just have some bad experiences?
Top Opinion
kyle 2012/06/19 16:45:46Yes
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- cupcakes 2012/06/19 19:13:35No
- King Anti-Christ 666 2012/06/19 19:11:52
NoMost of them really just aren't that great at gaming. Some are but the numbers are honestly inconsequential. The ones that voted 'yes' are either gamers, are Feminists, have an agenda or are some of those female gamers.
And any female gamers that respond to this post are just jealous of male biology. -
+5I just love how anyone is votes "no" is essentially proving the point of this article. The difference between a "gamer girl" and a gamer girl is that you don't realize a real gamer girl is there unless she has a reason to turn on the mic, because she doesn't want to be treated specially just by being a girl-- she's there to play a game, not for attention.
Male biology?! hahahaha!! you're full of crap and just because you're from Japan don't make you any better.
- Mercedes 2012/06/19 18:42:16Yes
FPS games mostly. But I play anything from The Legend Of Zelda to MW3. I'm trying to get my kill streak up there on the new maps lol.
- Ben 2012/06/19 18:18:17NoAnnoying situation #1. The minute a girl opens up online that she is really a girl, she immediately gets special treatment. I've been gaming online for years and I see it all the time. The game practically stops because everybody wants to talk to the girl with the cute voice.
Annoying situation #2. The female gamer comes out and says she's a girl, then goes on constantly about how good she is at the game and talks smack to all the other guys. She loves talking about how you just got beat by a girl. Then, when you get her back and teabag her, she goes on about how unfair that is because she is a girl and what I just did was rude. Nobody cares. We're all equal in the gaming world, so please keep your sex to yourself. -
+3The difference between an attention seeker and a gamer girl? A gamer girl doesn't turn on her mic unless she has to, because she wants to play the game, not get stuck in "annoying situation #1". If a girl is around to play, getting special treatment and everyone being more interested in her is annoying, so she'll keep her mic off and her gender to herself. The rest just want the attention of "Situation #1" or are trying to prove they can play with the boys without any real dedication that a gamer has.
i turn on the mic because the game requires teamwork. i have a deep voice for a chick, so ppl dont usually notice anyway... it doesnt come down to the annoying situation till ive played a few rounds and sum1 asks, hey whats ur guys names?
- Sintwa 2012/06/19 18:15:23
- smitty 2012/06/19 18:13:47
- Midnite12 2012/06/19 18:11:18Yes+1Gears of War for life! Chainsawing locust up the ass and getting headshots with a boom shot is an everyday norm for me. Gear up! ;)
http://ts4.mm.bing.net/images... -
Yes+1I definitely think so. I'm not much of a gamer myself. There's only a handful of games I like and I don't play very often (and all but one is single player). However, I've done better in several of those games than my male friends who are gamers. I've beaten bosses in less than three minutes that it took them 30 minutes to beat, gotten more side quests completed in less game time then them, ect. Still they try to play it off as a fluke and that I just got lucky. However If I tried to play a multi-player shooter I more than likely fail for the longest time. I don't like shooters. Not my cup of tea although if given time I could be a fair match.
But I'm a solo player. I can't stand actually playing a game with other people. They make me too angry.
This video sketch is one of the many reasons why:
And lets not even start on the shear level of stupidity.....UGH. Use your brain.
I don't work well with people. -
- Jacob 2012/06/19 17:48:23
Ok so I voted before reading but my answer is the same. Real gamers know that girls can kick as much ass as males if not more! But as I said gamer girls rock!
- Laughing Man 2012/06/19 17:46:46No+2Women Gamer's Are Just As Good As Male Gamer's. This Whole Battle Of The Sexes Thing Has Been Going On For Generations In Every Topic You Can Think Of. Its All An Illusion We Are All Equally Small On This Earth. I Know Alot Of Good Male And Female Gamer's Alot Of Bad Male And Female Gamer's So Get Over It And Move On
- Libertys Martyr 2012/06/19 17:41:37YesYes... underestimated for sure. Ladies if you need some re-assurance... I'll be your player number 2 if you know what I mean *wink wink
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ALVA, Okla. – Ranger softball head coach Cody Hooper collected his 300th Northwestern victory, as the Rangers split a doubleheader with Mid-America Christian University at the Alva Rec. Complex on Friday afternoon. Northwestern run-ruled the Evangels 17-3 in the first game, before falling 17-12 in the season finale.
Kellie Mason pitched a gem in the opener, recording 14 of the 15 outs via strikeouts. Mason allowed just five hits and one earned run in picking up her ninth win of the season.
The Rangers pounded out 10 hits and 13 runs over the second and third innings to hold a commanding 13-1 lead.
MACU scored single runs in the fourth and fifth innings while Northwestern added four runs in the fourth inning.
Six players had two hits as Mason had a game-high three runs batted in.
After three innings in the season finale, Northwestern found itself down 9-0 through three innings. The Rangers didn't lie down, scoring seven runs in the fourth inning to come within two runs of the Evangels.
Mid-America added two more runs in the fifth inning to lead 11-7. Northwestern used a five-run fifth to own a 12-11 lead, but MACU scored six runs in the final inning and held NWOSU to a hit in each the sixth and seventh innings.
Northwestern was outhit 19-15, with 9 runs being unearned.
Katie Thomas, McKenna Wilson and Therese Beeler each had three hits, while Beeler, Thomas and Mason all doubled.
Meagan Lack (1-9) took the loss in 4.1 innings of relief work of starter Renea Tarwater.
Hooper's 300th win comes in his 11th season as the head softball coach at Northwestern. The Rangers softball program began in 2001.
Northwestern finished the season at 14-34 overall and 5-21 in the Sooner Athletic Conference.


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North Korea To Trade Nukes For Food
February 29, 2012 10:54 am
and who is going to police this to make sure they abide by the disarmament?
N. Korea is completely de-nuded of trees, and of most, if not all of their natural resources.
The people are under developed and mentally challenged due to decades of malnutrition.
Isn't this a case where Post Natal Abortions would be the economically and environmentally correct decision?
Let them starve.
It's not a disarmament. Per the article they agreed to curtail activities, not shoot any nukes off. We are sending food police to monitor the receipt and disbursement of food aid.
Only time will tell if they are serious, or if they change their mind when their bellies are full. And I didn't see anything about them stopping their ongoing catfight with their (prospering, democratic) kin to the South,.
Odd how the U.S. looks real good to people who avow hatred for us – when they need our money and support. Go figure.
It's not a disarmament.
fuck 'em then. let them starve.
This was done a year or two ago, wasn't it? Food for a slow down in their nuke program? After they got the food, they test fired a missile. Why are we doing the same thing and expecting compliance this time?! Let 'em starve because it will be the military who will then starve as they eat first. The people are already starving and will continue to starve no matter what we do.
Unify Korea
Fuck 'em! Either overthrow the regime that's killing you or run south.
No food. Period.
The Norks aren't the only ones who will be needing food.
Obama's regime changes in Egypt and Libya mean those countries will require food as they descend into barbarism. Exactly how much Obama planned for is unknown. (Just kidding) Then you've got Syria.
And Obama will give them all food. In his worldview, the only reason they cannot feed themselves is U.S. "imperialism."
The numbers of lives ruined and destroyed under the Obama regime is not limited domestically. It is international.


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Promo for Glee Season 5, Episode 8: "Previously Unaired Christmas" (VIDEO)
There's just one more new episode of Glee before the show goes on break 'til the new year. Lucky for us, the fall finale just so happens to be a holiday special: December 5's Glee is titled, Season 5, Episode 8: "Previously Unaired Christmas." Why the "previously unaired"? Well, if you'll remember, Season 4 ended only midway through the school year, which means it's still only mid-Spring in Glee time. So if the show wanted to do a Christmas episode this year, they knew they'd have to get creative. Hence, this year's show will be an "unaired" episode. It is set during last Christmas, and billed as an episode that FOX execs deemed too controversial to air. But after a few strategic cuts and edits, this "lost" episode is good to go.
So what's going down in this year's episode about last year's Christmas? Well, Schue and the New Directions are singing "Rockin' Around the Christmas Tree." The narrator announces,"The holidays are here... what could possibly go wrong?"
Lots of things, apparently. Becky puts her head over a doll, turning herself into a weird little Baby Jesus. Then there's a mean Santa at a mall in NYC, making life ridiculously diffiuclt for Kurt, Rachel and Santana. (Yeah, apparently she flew to NYC last minute to spend Christmas with Hummelberry. Hey, the Brittana breakup was hard on her.
So how does she deal with all the stress? With a bubble bath... and avoiding work at her new seasonal Santa mall job, naturally. "Taking a much-needed break. It is exhausting playing a slutty elf."
Oh, Santana. Please don't ever change.


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Tag: Amalfi Hotels
View All TagsKiller View / Killer Views / Amalfi Hotels / Amalfi Coast Hotels / Luxury Hotels / Historic Hotels / Italy Hotels / → All Tags
Killer Views Of and From Monastero Santa Rosa on the Amalfi Coast
March 28, 2014 at 11:06 AM |
by JasonD
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There are definitely killer views from Monastero Santa Rosa, located as it is on Italy�s almost painfully scenic Amalfi Coast. We�ll get to those in a second, but perhaps unusually we�ll start this time with this killer view of the hotel itself, because it is just as good.
Perched on a rocky outcrop and beautifully lit at night, it began life as the name suggests as a monastery in the 17th century. These days, it�s a pretty stunning hotel with just 20 rooms and suites and � what else would you expect � a cliff-edge pool. Check it out after the jump.


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Community Status Updates
Great job with those aircrafts you have made. I am sure you have read this a lot of times!
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Thank in advance!
Aug 20 2011 12:16 AM


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Bergger Prestige Variable is a double weight photographic paper with a warm black image tone. Its heavy (300 gm2), superb fiber base gives it exceptional results. The surface is glossy.
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